Happy Goal Setting everyone 🍀⭐ comment some of your financial goals here! I cannot wait to read them and cheer you on! (PS. I've been seeing A LOT of spam comments on my videos, someone pretending to be me & saying to What'sApp me... it's not me!!! please be careful and report the comment if you see it. Don't WhatsApp strangers! xo)

@PeanutButter123

Жыл бұрын

2023 Goals Savings: 100K+ currently at 87K Investing: 10K+ currently at 2K (unlikely) Debt: Don’t have any and plan on hopefully staying that way

@loudresviennadeaires

Жыл бұрын

I love your videos Zoe! You remind me of where I was in my early - mid 20s. I'm 31 now. My goals are to save/invest at least 100k, and increase my passive income.

@zainebsahraoui844

Жыл бұрын

😢😢😮😮😮😮😮😊😊😊😊😊😊😊😊😊😊

It warms my heart hearing you excited for 2023. My first video I ever found of yours was your “I Lost My job” video (right when it came out). I remember your Florida trip at the top of 2022 was refreshing for you but you felt like you didn’t deserve it or that you couldn’t do it. Your journey within the last year has inspired me and it’s so great to know that this upcoming Florida trip, you do feel good and you do know that you deserve it. I got dumped the last day of 2022 and you really are my safe space for just a cup of coffee and a chat from a friend. Thanks for always cheering me up! ❤️🙏. Cash envelopes are king 😂

@ZoePritchard

Жыл бұрын

oh my gosh this comment brought tears to my eyes, THANK YOU 💖💖💖 seems like you know me better than I know myself 🙈 Im so sorry to hear about the breakup but I know everything is for the best (how annoying to hear though, right?). In one year you will see how much you have changed for the better, im sure 💖 sending you lots of love!!!

@YungConundrumForever

Жыл бұрын

@@ZoePritchard thank you so much Zoe! ❤️😭🙏

@nicoleeditinglife2

Жыл бұрын

Omg i can sooo relate with this comment, Zoe you bring such calmness! ❤

@carlasamuels479

Жыл бұрын

Not trying to minimize your feeling about the end of your relationship but I've been dumped by various people in my life and as a 50 year old I now reframe it as being set free to find new adventures either by myself or with someone who really appreciates me & it helps me to feel my life is meaningful

@YungConundrumForever

Жыл бұрын

@@carlasamuels479 I genuinely thank you for this response. I wholeheartedly agree! Everyday gets easier. But you gave me hope for the future ☺️❤️‍🩹

You're absolutely right about money/budgets being a personal thing. Everyone's circumstances are different. Some people have more money, some people have less. We just need to do the best we can with what we have.

Loved how you addressed the no buy question! Makes total sense to me as someone who did a low buy last year! I think rules are great, but they have to work for you not against you! We refine them as we get to know ourselves. It’s not a one size fits all! Great reminder for me

It’s super refreshing to see someone talk about the emotion behind finance!

This was so fun!! And it's so soo lovely seeing how excited your are for 2023. My financial goals for 2023 have the overarching theme of finding a balance between saving and purposeful spending. In 2022 I had a lot of big purchases,but they were important things like getting another pair of work shoes or going to the dentist, and then I recently started allowing myself to have a treat day where I go book shopping. So I want to mainly find a balance between those areas of my life, lol but specifically: 1. Pay my dentist bill of $2,188 by march 2 so I can schedule my wisdom tooth extraction 2. Save $2,210 in my emergency fund 3. Have a sinking fund for mental health days/ treats (lol mainly book shopping XD and I want to go horseback riding this year) 4. I want to find various charities to regularly support (like sponsoring an animal at a rescue, or during Christmas time I usually will buy a basket of books to donate, and I would just like to allocate more to giving to my community, and just people in general year round) 5.I want to take time to better educate myself on money (mainly investing, and just any questions I have about money I want to take more initiative to find answers) 6. and this is/isn't a goal I suppose, but I want first shop small and support artists and creators (like buying books from more local shops, or if I need clothes coffee etc seeking out more businesses to support) 7. I want to start a savings account of at least $1,000 to start saving for moving abroad (it's been a big dream of mine and I'd like 2023 to be the year I start making small steps toward it) lol Sorry! My comments are always sooo long! But I wish everyone luck, and I know we will reach our goals this year

Hi Zoe, great goals, I love your videos! All the best for your business and personal life in 2023, I am sure it will be a fantastic year for you! 💰❤

Hi Zoe!! I am sure that 2023 will be your must successful year so far ❤ Thanks for always sharing in such an honest and transparent way

just stumbled across your videos yesterday and I absolutely love them! thank you for being so transparent and open!

Yes, love your videos!!! Thanks as always for sharing your goals, very inspiring!!!❤❤❤

Loved this Zoe ❤ congrats on all ur growth so cool to see ur recent vids doing so well! So proud of you!

I would take your emergency fund now and completely pay off your LOC, then focus on getting that fund back up to 4k and go 50/50 between that and the car afterwards. The LOC is just burning money for interest when you have the money sitting there. Just my opinion lol

@theandrogynist2885

Жыл бұрын

+1!! I think pay off all your debt on your LOC now with your en fund. You will have more confidence in general and maybe a shift in mindset with knowing that this is no longer something lingering imo!

@ZoePritchard

Жыл бұрын

i get that!! and logically its the right thing to do, but emotionally I really dont want to take from my EF 🙈 it feels so good to finally have a good chunk of money in there

ZOE - life style creep is a real thing - so good to see you address it - we have about 4 main goals for 2023 - to get a 6 months emergency fund set up is one of them - glenda

was just telling my best friend about how much i love your videos this morning- can’t wait to send her this to introduce her to your channel!!!

@ZoePritchard

Жыл бұрын

wow that is so nice!!! thank you 💖 I hope your friend enjoys!

I'm so happy to see you with this exciting attitude towards 2023 I'm really praying that you can accomplish all you goals, mine for this year are 1. Save enough money in my emergencies fund 2. Save money to buy a car I'm really excited about this year too I hope to be a great year for me and my husband

Yay!! Was looking forward to this video Zoe, great job on setting realistic and fulfilling goals! One of my goals was to stick to a budget that I set, I never realized how much little costs add up before tracking them everyday. Currently saving up for a car at the end of year so I’m prioritizing sending savings into that fund too!

@ZoePritchard

Жыл бұрын

It's so true!! Amazing goals, can't wait to read your comment saying you got your dream car 😍🍀

Zoe, I'm so happy you've found a budget method that you love! EQ bank just launched in Quebec, and they have a 2.5% interest on savings and higher on GICs, so it could be a good option for your emergency fund. It's also great because you can open 5 buckets within your account so you can keep sinking funds separate and set goals for each if you want to.

Can’t wait for you to accomplish your goals!! 👏🏼

@ZoePritchard

Жыл бұрын

LOVE youu!

I've been waiting for this video!!! Can't wait to watch

@ZoePritchard

Жыл бұрын

yayy hope you like it ❤️

I am 1000% with you on writing goals (and other things) down on paper. It makes them more concrete, and it’s also helpful for my cluttered mind to get them out of my brain and onto paper. One of my goals for 2023 is also to be completely one month ahead on my fixed expenses. I’ve been trying to do this for many months, but I’m hopeful that this year is gonna be the year that my husband and I achieve this goal. I love that you’re embracing cash envelopes and sinking funds. They’re such helpful tools for working toward our money goals. I’m excited to be on this journey with you.

@ZoePritchard

Жыл бұрын

so amazing!! cant' wait to hear how it all goes for you 💖

New subscriber! So happy I stumbled across your channel

Hello Zoe, I have been watching your videos from the last month or two. And you are such a great motivator. Because of your videos I am now on a better financial situation. When I am sometimes stressed, especially after work I listen to your videos on my 1 hour ride home. I get destress and motivated to achieve my goals in my finances. Thank you so much. Be blessed. 🙏🏽💯💙

@ZoePritchard

11 ай бұрын

thats beautiful!! thank you 💖 keep it up, you got this!

You’ve got this!!!! Excited to see you crush these goals. One of mine is to figure out a budgeting system that works for my husband and I … we both have very different money styles so it’s been interesting to merge!

@ZoePritchard

Жыл бұрын

ouuu interesting! That’s a pretty fun goal and you can have fun along the way trial and erroring 😍

You always look pretty Zoe but today you're GLOWING ✨️❤️ I agree that if sth works you stick to it 👏 you ARE going to be even more successful this year Zoe I'm sure about this ✨️ my main financial goals this year is to earn a bit more income & don't use a lot from my savings 💖

Look, the fatigue this January is something else! But I think it is because December is so packed with activities, spending, excitement, expectations, anxiety and for us in the tropical regions, WEDDINGS! I’ve been exhausted for WEEKS at this point 😂😂. But you worked soooo hard in December, Zoe and I think your body is just recovering from how hectic it was. It will pass ❤️

@ZoePritchard

Жыл бұрын

Ahh it's wedding season for you 😍 I hope you have fun but get to rest too! ❤️

Hey Zoe! I'm a new subscriber. I love your videos. I just noticed that you don't ask people to "like and subscribe". I understand if you don't feel comfortable saying this, but it could really help grow you channel, and i want you to reach that goal! 😄 I always forget to like a video unless I am reminded.. Wishing you the best in 2023!

Great video ZP! I was a patreon but when I looked at what I could “cut back on” I made a goal to not have any subscriptions for 2023 and save the difference. I may be back in the future as I LOVE your content but for now I hope to support you through always watching liking and commenting on your content. Love always x

@ZoePritchard

Жыл бұрын

aw thank you!! i totally get that, and thank you for the kind words 💖 xoxo

Those are some pretty awesome goals for the year. Another easy but rewarding one you could add is opening up a new FHSA (The new first home savings account) account and put w/e you want it when they come out in April. The reason why you wanna open it this year is because the yearly 8000$ max contribution only carry forward once the account is open. Also, if you like the feeling you get when you see number progressions in your different goals, your net worth could be a fun one to track. Keep up the good work with your financial videos - they are solid and I'm sure a lot of watchers benefit from them!

@ZoePritchard

Жыл бұрын

thank you!!! i plan to check out this new FHSA for SURE!

Thank you for sharing I love talking about money and budgeting and most people don’t! 😅

@ZoePritchard

Жыл бұрын

Amazing!! I love it too hehe 💸

I started budgeting as well - not in cash envelopes but I have a set allocation for everything and subtract electronically as I purchase -Its made SUCH a difference. I did not know what you meant when you said it was rewarding until I tried it myself.

@ZoePritchard

Жыл бұрын

FANTASTIC!! so happy for you 😍

I love the switch of the mindset of calling an emergency fund a security blanket! Or however you worded it but I loved it haha!

@ZoePritchard

Жыл бұрын

yesss! makes it a little more fun/realistic to save for 😍

Love these videos! My biggest goals are: 1. Move to a cheaper flat, 2. save money for hiring a moving company (no more moving with a sketchy rented van and friends working for beer and pizza :D), 3. after moving, save all the money i save on rent towards buying a flat.

As a Canadian I would look into Tangerine bank. There appears to be a method to move your money around to get access to their promo rates quite frequently. Currently the promo rate is 5% for savings.

My goals for 2023 1. Become debt free 2. A month ahead 3. Fully funded sinking funds 4. Fully funded emergency 6-12month fund 5. Max out my IRA account Some of the biggest goals may not happen this year. Giving myself grace

One of my 2023 goals is also to stick to my cash budgeting - my husband totally approves and we both feel it helps me met my goals for the household budget ...BUT I do get push backs or looks when I pull out my A6 envelopes (more like a small planner instead of a wallet) - my son said "mom do you want me to pay ?" I am like NOPE I have designated funds for this activity -his wife says " yeah your mom has envelopes " ahhhhhhh they need to do the same thing - BUT I am not pointing fingers - ...like you I have tried this before and stopped thinking I was fixed - NOT - glenda

@ZoePritchard

Жыл бұрын

haha sometimes I feel silly with my labeled envelope but as a former cashier, I know they've seen WAY weirder things.. so who cares, we're budgeting gals! ✨

Just like u saved money learning to do your own nails, I saved so much money learning how to braid my own hair. To get your whole head braided in the US or any braid style really can run you $90 to $250+ !!! It's so good to learn a skill to save.

@ZoePritchard

Жыл бұрын

wow thats amazing!!! 😍 love hearing stuff like this

Hey Zoe! You mentioned having a tendency of going hard at something and wanting to be more balanced *I have the same problem*. It might be helpful for you to take the amount you want for your emergency fund and divide it by the number of months to make sure you can achieve your goal by the end of 2023 and then you can see what you would have leftover to put toward your debt or vice versa. This way, you are putting something toward both and can see slow progress in each category without feeling like something is lacking attention. I learned this from working with a budget coach and still struggle with it. You mentioned they are both equally important. Love your videos :)

@ZoePritchard

Жыл бұрын

Thank youu 💖💖💖 This is so smart and makes it way more realistic than hoping one day $10,000 falls into my bank account 😂

idea...maybe only pay for the parking in the winter... all others seasons no parking :0-)

great goals!

My dog's sinking fund is $600 at all times. It used to be an $800 goal but I lowered it because it's more than enough for his vet appointments. It does make all the difference in feeling like a good pet parent 😊

@ZoePritchard

Жыл бұрын

fantasic!!! this is super motivating, thank you 💖

Amén. Feel the exact same way with this month.

Hello, I’ve just stumbled across your channel yesterday and have watched 3-4 videos on finances and love it! One of my goals for January was to learn more about personal/household finances. I had searched quickly for Canadian sources but didn’t find anything great and yesterday I opened KZread and one of your videos popped up, I didn’t even search. I love the idea of having designated accounts for each thing you’re saving for. I learned the term lifestyle creep and really need to cut it. I have to work on that and pay some debt off and then focus on building those savings. What’s a sinking fund?

@ZoePritchard

Жыл бұрын

Hey!! That is amazing, I swear the KZread algorithm reads minds 🙈 A sinking fund is an account with a certain amount kept in it at all times (ideally). So if you take money from the account you aim to repay it quickly.

Yess Zoe!! Manifesting higher income this year lol ✨✨

@ZoePritchard

Жыл бұрын

amazingggg ✨✨✨

QUEEEN 👸🏻👸🏻👸🏻

One of my trick to stop spending is to work so much that i dont have time to shop 😝so motivating to achieve those goals early

When my dog got sick unexpectedly and had to get surgery it costed $3,000. I had her until she was 17 and that was the most expensive expense we had for her. So I think for me I would feel really good having a $3,000 to $5,000 pet fund but I think $600 is really good to cover the basics ☺️

love this video

Where is the journal from? Thank you for this video, really inspiring ☺️

Hey Zoe! I also left consulting for a startup and I ended up needing to leave the startup soon after. Thanks for the inspiration 🤍

I freaking love these videos! You’ve motivated me to start using cash envelopes, plus I got the same financial tracker as you have and I’m obsesssssssed!! Rich bitch energy for 2023 💵💵💵💵

@ZoePritchard

Жыл бұрын

yessss!!! i love this 😍😍 💸🍀

Loved this video and your money goals for 2023. I actually just uploaded a video on emergency funds - and from the research for that video I can tell you that almost 1/3 of all Americans want to finally fill up their emergency fund this year. And I think the numbers are similar in other countries as well. It seems to be the year for it. So, good luck and hope you achieve your goal 💸 Regarding your dilemma of paying off your debt or building up your emergency fund even more, I actually agree with you - My personal opinion is: You already have 4k saved up (which is already an achievement so congrats! And I suppose there is no one else dependant on you for your income at the moment, just you). If you feel pretty comfortable with that and not super stressed about not having more money in your emergency fund - I would also pay off the Line of Credit first because of the high interest and because it's a pretty low amount that can be tackled in a couple of months. After that I would also split between the car payments and emergency fund. 😊

@ZoePritchard

Жыл бұрын

I think this is what I will do, thank you 💖💖💖 also SO interesting that people are really into the EFs now… it’s really wonderful

I think choosing between your Debt and Savings is hard. I'm in the same boat. Personally, I think as long as you have a little money put away for a rainy day, you'll be ok. Like for medical, tires for your car, a phone....ect. You never know what could happen. So as long as you have a little savings like that. I say pay off your debt. 🙂🌻

Have you considered using your emergency to pay off your whole credit card now? Then do the $750/month to your EF for 3 months to get back to $4K saved, then you could focus on your car/both Just an option since you'll save on interest! Awesome goals though Zoe, I'm looking forward to watching your year!

@ZoePritchard

Жыл бұрын

Hi Leila! I totally see how that is the logical thing to do 🙈 I’m just SO happy to see $4k in my savings that Im not emotionally ready to take it out

Pay off the LOC with your emergency fund! The slam car! Then save for EF!

Hi Zoe!!! Those are exciting goals! In my case I will try to live with 70% of my salary and save 30% per month to complete my 10 k emergency fund (my priority), then save to invest and a vacation fund. 🤞

@ZoePritchard

Жыл бұрын

that’s fantastic!! you got this 🍀

what brand is your light pink bullet journal? :) my financial goals for this year is to also fully finish funding my emergency fund - I love how you described it - a security blanket. i also want to find ways to diversify my income portfolio, instead of having to rely on just one income source. times are really scary right now in the tech space in terms of lay offs etc!

@ZoePritchard

Жыл бұрын

oh my gosh yes! i really hope all goes well for you 💖💖 the bullet journal brand is Leuchtturm 1917 and I’m loving it!

Love your money videos🙆

@ZoePritchard

Жыл бұрын

Love YOU!!

My goals will be having 25000€ at the end of the year as well as my car insurance saved up and part of the money for a semester abroad. With a student job not that much more is possible :)

Personal I’m working on getting my line of credit down to zero then work on my saving and car payment

EQ bank in Canada has 2.5% interest! You should check it out -- I keep my EF in there :)

You can get a better HISA rate in Canada but maybe not in Quebec. EQ Bank is at 2.5% right now but they don't offer in Quebec, Tangerine has a 5% promo right now until end of April. Simplii was also like 4.85% last time I checked. I would definitely shop around for a better HISA than 1.5%

@ZoePritchard

Жыл бұрын

wooooah i deff need to check these out 😍 thank you!!

@shannonclarke3621

Жыл бұрын

@@ZoePritchard EQ just opened in Quebec! I'll probably be opening an account once my Tangerine promo interest rate expires :)

Money never ever comes to my mind when I adopted my dog 2 years ago, and it broke the @ss up of my savings for Law School 🥹 I was not happy but I'm happy that I have a baby, well a four-legged baby. I was impulsive on buying her toys, things she really didn't need plus she's a raw fed--- we're doing fine then until her health scare 💸💸💸 bi-weekly vet visits and the need to put her on therapeutic diet + her nutritionist (monthly). So, my 2023 financial goal is to replenish everything that is gone from my savings and save up for her emergency fund! 😂❤

Keep your car in covered parking- better for the vehicle and could save you money in the long run

@johannarahardt5129

Жыл бұрын

Good point!

Hi Zoe, knowing me I would keep the parking. I don’t know how parking is there. But I will keep it.

@ZoePritchard

Жыл бұрын

haha after filming this and then taking a look outside at our recent snowstorm, im leaning towards staying inside 😂❄️

I stopped getting my nails done too & started to do them myself. 6 months later i developed contact dermatitis from not having a hot enough lamp that cured my gel nails fully. Just be careful when you do your nails at home

@ZoePritchard

Жыл бұрын

omg on your nails you had the reaction? that is crazy thank you for the warning

My goals for 2023 are to save 25% of my gross income, save 4k in my vacation fund and put aside the money to pay off my student loan.

I personally use EQBank and their high-interest savings account for my emergency fund (among other saving goals). They offer better rates than 1.5% :)

@droid2D2C3P0

Жыл бұрын

EQ isn't available in Quebec

Hey Zoe, my goal is to restart my channel and help women understand crypto in a safe and educational way (no pushy tactics to make you buy when you’re not sure what’s happening or comfortable with the space) - would love to know your thoughts on how I can create this safe space as someone who feels burnt by crypto?

I love your videos

@ZoePritchard

Жыл бұрын

thank youuu!!!

@winndellericjohnson02

Жыл бұрын

@@ZoePritchard Anytime.

Do you have pet insurance for Maggie? Usually the premiums are quite low and it might give you more peace of mind knowing vet visits etc are covered, in addition to your sinking fund

@ZoePritchard

Жыл бұрын

I dont! I kind of hate insurance haha i know that makes no sense 🙈 so when I got her i was like “i don’t need insurance its a scam!”… then she got sick when she was about 7 months old and I WISHED I had the insurance. And now that she’s been sick its too late because its like a “pre condition”

I am soo soo tired at the moment too like I have never been before in my life. 😴

@ZoePritchard

Жыл бұрын

I truly dislike January 😭🌴

Just love you❤

Genuine question: do credit card perks exist in Canada to the same extent that they do in the US? I never use cash and I'm always that friend that is like "oh I'll pay and you can Venmo me" so I get the credit card points. I like the idea of cash envelopes, but also getting anywhere from 1.5-5% back on every purchase is really nice.

@ZoePritchard

Жыл бұрын

i feel that! we dooo have credit card perks but not the the same extent US cards have. My american express card does give me some good perks, so i will use it for big purchases but in the end, for me, because I can’t control my spending as much with card its just not worth it… for now at least

Can you do a video on how you got into freelancing? I have the skills but have no idea how to start/get clients

@ZoePritchard

Жыл бұрын

Coming very soon!! My ultra short answer is LinkedIn though, set an alert for "freelance X" (x being what you do) and you'll get emails multiple times per week. Good luck ✨ PS. Obsessed with your handle 😂 I may have told you this before...

@michellmusso2009

Жыл бұрын

@@ZoePritchard ooo smart! I do SEO so I’m sure there’s a lot of opportunity. Also LOL thank you!! 😂

I might think twice about not paying for parking - what if I forget to move my car etc and get a ticket? that won't be cheap I feel, or at least consider waiting until summer to stop paying?

@ZoePritchard

Жыл бұрын

omg I have a storyyyy time about this 🙈 In my next vlog haha, I will deff be paying for indoor parking 😂

If you are young and torn between paying off debt or investing, look at it this way:. You have a 100% chance of paying off debt vs. only a 50/50 chance of having your investment growing....you choose!

Do you have pet insurance? Or does your pup have too many pre existing conditions to make it worth while?

How do you calculate you monthly income as a freelancer? Is it by the $ amount worth of work you did that month or only the money that cleared and is in your bank account regardless if it was for work done maybe a couple of months ago if that makes sense?

@ZoePritchard

Жыл бұрын

I do it by the amount i actually receive in my account that month! especially with youtube sometimes payments can take many months from the time i did the work to seeing the money in my account. so i prefer to count off what I can actually use 🥰

@dinagalall

Жыл бұрын

@@ZoePritchard Got it! 🥰

This is random, but you would look so good with bangs. 🥰

@ZoePritchard

Жыл бұрын

omg i swear ive been thinking of getting bangs since watching Emily in Paris!!

Nice

I've beem wanting to attend dance lessons for so long but I was on minimum wage and could not afford it. I told myself I would wait until I get a raise. Once I did, I enrolled myself into dance lessons right away! Is this lifestyle creep? The classes give me so much joy I don't care if I'm not saving more money.

@cherrystar16

Жыл бұрын

It's not lifestyle creep! I do the same! I love spending money on dance or fitness classes because they give me joy and improve the quality of my life (which is one of the reasons we work to make money :))

@taylorphoe

Жыл бұрын

@@cherrystar16 TRUE!

@ZoePritchard

Жыл бұрын

omg defff not lifestyle creep!! that is an investment in yourself i would say 🥰 i associate lifestyle creep to more material things such as moving to a nicer place or leasing a flashier car as soon as you get a raise. And it doesnt mean doing those things I just mentioned are bad, just means you wont benefit in terms of saving from your new salary. Enjoy you dance classes - you deserve it 💖

@ZoePritchard

Жыл бұрын

yessss!!

Love these videos Zoe, planning to save €700 per month

@ZoePritchard

Жыл бұрын

fantastic!! 💖💖

I’m the same with travel. Right now I’d rather spend that money on jewelry.

@ZoePritchard

Жыл бұрын

omg so glad im not alone in this!!

I would go 50/50 with debt and your emergency fund 19:06

completely not money related😆 but your eyebrows look great! Get those goals. Payoff the car

I would do 50/50 with the debt and emergency fund until your emergency fund is at $5,000 and then do the LOC

Omg you’re so cute!

My goal for 2023 is to save 10,400K

@ZoePritchard

Жыл бұрын

incredible 😍😍😍

✊🥰💐